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Home & Contents Insurance
Free Safety Net Protection
Quote and purchase online from 16 Oct 2020 - 28 April 2021. Not available with any other offers. Free for first period of insurance. T&C's apply
Extra cover to help you rebuild.
If your home is damaged in an insured event, get up to 25% extra cover to ensure you can rebuild with 1 Year Free Safety Net Protection on new Suncorp Classic Home Insurance before April 28.
Introducing Build it Back BetterTM - An Australian first for Home Insurance.
If your home is substantially damaged after an insured event, with Suncorp Home Insurance we’ll Build it Back BetterTM, with extra recommended resilience options between $5,000 - $10,000 (depending on your level of cover), designed to improve the home’s resilience to natural hazards, water damage, fire and theft. Conditions apply. Read the PDS for full details.
What is home and contents insurance?
Home and contents insurance covers your house and possessions against damage caused by an insured event such as fire, flood, storm or theft. It includes new-for-old repair or replacement and the option to cover personal valuables like your mobile phone, laptop, or bicycle (if not racing or pace-making).
What Suncorp Home and Contents Insurance covers
Every policy covers these insured events as standard. See examples of what we cover and do not cover for each event and read the PDS for full details.
Flood
Flood means the covering of normally dry land by water that has escaped or released from the normal confines of things like a lake, river, reservoir, canal or other natural watercourse.
Actions or movements of the sea or storm surge are not covered.
Malicious acts and vandalism
Malicious acts or vandalism includes things like vandals damaging your letterbox or painting graffiti on your home.
It doesn’t include damage by someone who entered the home with your consent.
Impact e.g. fallen tree
Impact covers damage from things like a falling tree, power pole, tv antenna, aircraft, motor vehicle and even space debris.
It doesn’t include damage caused by trees being lopped, felled or transplanted by you or for you.
Storm
Storm means a storm, cyclone or severe atmospheric disturbance. It can be accompanied by strong winds, rain, lightning, hail, snow or dust.
It includes loss or damage caused by a landslide or subsidence within 72 hours of, and directly because of, a storm or a structural or design fault
Theft or burglary
Theft or burglary occurs when someone enters the insured address without your consent and steals or intends to steal items.
We don’t cover loss or damage caused after entry from common property, or loss or damage caused by anyone living at the address.
Damage by an animal
This covers loss or damage caused by an animal that becomes accidentally trapped inside your home.
We don't cover damage caused by any animal you own or are responsible for, or has been allowed onto the insured address, or damage caused by insects, vermin or rodents (unless the damage they caused is covered under fire or escape of liquid).
Riot, civil commotion or public disturbance
An example of a riot, civil commotion or public disturbance event would be damage caused by a violent crowd moving down your street.
It doesn’t cover loss or damage caused by someone who had consent to enter the insured address and doesn’t cover loss or damage if anyone living at the address participated in the disturbance.
Explosion
We cover loss or damage caused by an explosion but we do not cover the cost of repairing or replacing the item that exploded.
Escape of liquid e.g. burst pipe
This covers damage caused by liquid leaking, overflowing or bursting from things like your fridge, washing machine, bath (but not shower), toilet, fixed pipes (except agricultural pipes), swimming pool, water main, fixed cooling system or aquarium.
We do not cover the cost of fixing the leak itself, or water damage caused by wear, tear and gradual deterioration. See the PDS for more details on what we don't cover.
Lightning
Lightning, including power surges caused by lightning, will be covered providing a qualified repairer gives written confirmation to show lightning as the cause of loss or damage and the Australian Government Bureau of Meteorology has a record of lightning in the area.
Earthquake and tsunami
We cover damage in the first 72 hours following an earthquake or tsunami.
This includes damage caused by a landslide or subsidence within 72 hours of, and directly because of, an earthquake or tsunami rather than erosion over time or a structural or design fault.
We do not insure you for bushfire, storm, storm surge, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply. Read the PDS for more details.
Choose from 3 levels of Home and Contents Insurance
This is a summary only. For full details of what is and isn’t covered, covered or not covered, please read the PDS.
Get a quote for Home and Contents Insurance now
A quote includes all 3 levels of cover - choose the one that best suits your needs.
How to save on your Home Insurance
15% multi-policy discount
Combine any 3 or more eligible policies to get a 15% multi-policy discount
$100 online discount
Receive $100 off the premium when you buy your policy online today
6% seniors discount
If you have a Queensland Seniors Card you’re eligible for a discount
Vary your excess
If you increase your standard excess you can save on your premium.
If you’re eligible for more than one discount, we apply any subsequent discount to the already discounted premium (usually before adding taxes and charges). Minimum premiums may apply.
Latest offers from Suncorp
Explore our Home Services
We are here to help with more than just your insurance and banking needs. We can help connect you to tradespeople, specialist service providers and resources.
Get everyday discounts with Suncorp Benefits
Eligible Suncorp Customers now have access to Suncorp Benefits! Receive discounts of up to 15% from major retailers so you can save when you shop.
Buying, selling or just curious?
Get the latest estimated market value, sales history, median prices and more via Suncorp Property Explorer. Part of the Suncorp App
Claims process
If you need to make a claim, rest assured we’ll help you with our local expertise every step of the way.
1. Have your details ready
We’ll need your policy number and details of the event.
2. Lodge a claim 24/7
Claims may be decided instantly. If we need more info we’ll contact you within 2 business days.
3. Track your claim
Track the progress of your claim online at any time.
4. Assessment
A member of our claims team will assess the damage to your home or contents.
5. Finalise your claim
We’ll follow up with you to arrange settlement if your claim is covered and ensure you’re happy with the outcome.
Frequently Asked Questions
What is a legal liability cover?
Your Suncorp policy provides you with up to $20 million legal liability cover.
Legal liability covers your liability to pay compensation for death or bodily injury to other people or loss or damage to their property resulting from an incident, which happens in connection with you owning or living in the home at the insured address. For instance, if a person was to come onto your property and injure themselves by tripping whilst climbing the stairs, the Home legal liability component of your policy would respond if you were found legally liable for the injury sustained and damages were sought from you.*
* This example assumes your claim was not otherwise excluded by your policy.
Yes, your home is covered if it is unoccupied, however an additional excess applies to any claim made during this time if the home has been unoccupied for more than 60 consecutive days.
This depends on your individual claim and policy. Where we can, we will arrange replacement contents for your lost or damaged belongings. In some cases we may not have a supplier for certain items and we may ask you to provide a replacement quote. If we deem this quote fair and reasonable we will offer you settlement based on that quote. If the cost to replace your contents will exceed the sum insured on your certificate of insurance, we will need to discuss the options with you.
We utilise experienced, qualified builders that are part of our selected panel. We offer a lifetime guarantee on the workmanship of the repairs we authorise.
Alternatively, you can be paid the amount of the assessed quote. You manage the repairs and the lifetime guarantee does not apply.
To learn more, refer to the PDS.
Suncorp Home and Contents Insurance includes cover for home office items at your address, like monitors, desks and chairs. Limits depend on your level of cover, so please refer to ‘Contents with fixed limits’ section of the Product Disclosure Statement to see how much you could be covered for.
If you would like to discuss the coverage of your home office equipment further, please call 13 11 55 or click the chat icon to speak to someone online.
If you’ve taken a work laptop home from your employer’s office, you’re considered to be responsible for it while it’s away from their office. Your work laptop may then be covered by your Home and Contents Insurance.
However, this only extends to cover at home, so if you’re planning on using your laptop elsewhere and would like cover for it, please contact 13 11 55.
Other Home Insurance products
Landlord Insurance
Protect your investment property from damaging events like flood, storm, fire and theft. Includes cover for loss of rent if a tenant doesn’t pay or the home cannot be lived in or cannot be re-leased after an insured event.
Contents Insurance
Great for renters. Contents Insurance covers your home's contents if they're lost or damaged by insured events like floods, storms, fire and theft. Plus, for an additional premium, you can add extra cover for personal valuables like mobiles, laptops and bicycles.
Suncorp Home and Content Insurance Calculators
Home Building Calculator
This calculator has some questions included that you may not find in other calculators, which will impact the estimate that is calculated.
HOME BUILDING CALCULATOR
Estimate the cost to rebuild
This calculator can help you work out the estimated rebuild cost of your home to help you choose your sum insured.
CONTENTS CALCULATOR
Estimate your contents coverage
Estimate the replacement costs of your home's contents to help determine how much contents cover you may need.
Home Insurance Insights
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Losing or breaking your smartphone can be pretty inconvenient – so are you covered for the costs of replacing or repairing yours? – Find out more
After the worst happens, many Aussie homeowners find themselves underinsured. Here are some costs to consider when you’re estimating the coverage you’d need to rebuild.
A home inventory is a list of the personal possessions you keep in your house, along with proof of their value. Take a look at our tips for creating one.
What makes Suncorp different?
This content applies to new policies and renewal policies with a start date on or after 25 March 2021. For full details of the covers, limitations, exclusions and conditions contained within Suncorp Home and Contents Insurance please read the Suncorp Home and Contents Insurance Product Disclosure Statement.
*Actions or movements of the sea and loss or damage caused by storm surge (unless the storm surge damage occurs at the same time as damage caused by a storm) are not covered. We don't cover retaining walls or flood damage to wharves, jetties, pontoons, other exclusions apply.
We do not insure you for bushfire, storm, storm surge, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply.
Home Building Calculator
This calculator has some questions included that you may not find in other calculators, which will impact the estimate that is calculated.
Flood
Flood means the covering of normally dry land by water that has escaped or released from the normal confines of things like a lake, river, reservoir, canal or other natural watercourse.
Actions or movements of the sea or storm surge are not covered.
Fire
Loss or damage caused by fire (includes bushfire) and heat, ash, soot and smoke that is a direct result of a fire within 100 metres of the insured address.
It doesn’t include arcing, scorching or cigarette burns unless a fire spreads from the initial burn spot.
Pollution or vapour damage by a home heater or cooking appliance is covered if a fire spreads from the initial source.
If there is a bushfire in your area, we also cover the cost of replacing water in any tank, container, pool, spa and any other storage vessel, even if there is no physical damage to your property. The most we will pay is $1,000.
Malicious acts and vandalism
Malicious acts or vandalism includes things like vandals damaging your letterbox or painting graffiti on your home.
It doesn’t include damage by someone who entered the home with your consent.
Impact e.g. fallen tree
Impact covers damage from things like a falling tree, power pole, tv antenna, aircraft, motor vehicle and even space debris.
It doesn’t include damage caused by trees being lopped, felled or transplanted by you or for you.
Storm
Storm means a storm, cyclone or severe atmospheric disturbance. It can be accompanied by strong winds, rain, lightning, hail, snow or dust.
It includes loss or damage caused by a landslide or subsidence within 72 hours of, and directly because of, a storm or a structural or design fault
Theft or burglary
Theft or burglary occurs when someone enters the insured address without your consent and steals or intends to steal items.
We don’t cover loss or damage caused after entry from common property, or loss or damage caused by anyone living at the address.
Damage by an animal
This covers loss or damage caused by an animal that becomes accidentally trapped inside your home.
We don't cover damage caused by any animal you own or are responsible for, or has been allowed onto the insured address, or damage caused by insects, vermin or rodents (unless the damage they caused is covered under fire or escape of liquid).
Riot, civil commotion or public disturbance
An example of a riot, civil commotion or public disturbance event would be damage caused by a violent crowd moving down your street.
It doesn’t cover loss or damage caused by someone who had consent to enter the insured address and doesn’t cover loss or damage if anyone living at the address participated in the disturbance.
Explosion
We cover loss or damage caused by an explosion but we do not cover the cost of repairing or replacing the item that exploded.
Escape of liquid e.g. burst pipe
This covers damage caused by liquid leaking, overflowing or bursting from things like your fridge, washing machine, bath (but not shower), toilet, fixed pipes (except agricultural pipes), swimming pool, water main, fixed cooling system or aquarium.
We do not cover the cost of fixing the leak itself, or water damage caused by wear, tear and gradual deterioration. See the PDS for more details on what we don't cover.
Lightning
Lightning, including power surges caused by lightning, will be covered providing a qualified repairer gives written confirmation to show lightning as the cause of loss or damage and the Australian Government Bureau of Meteorology has a record of lightning in the area.
Accidental glass breakage
This covers things like fixed glass in windows, doors, skylights, shower-bath combos, toilets, basins, baths and the glass that forms part of a fixed cooking or heating appliance.
It doesn’t cover ceramic tiles, drinking glasses or glass that is part of things like vases, ornaments or light globes.
Earthquake and tsunami
We cover damage in the first 72 hours following an earthquake or tsunami.
This includes damage caused by a landslide or subsidence within 72 hours of, and directly because of, an earthquake or tsunami rather than erosion over time or a structural or design fault.
Accidental damage at the home
This covers loss, breakage or damage to something by accident at home. For example: dropping, knocking over or spilling something without intent.
Safety Net
Safety net home protection provides an additional percentage of your nominated sum insured. This means that if your home is damaged and the cost of repairing or replacing it is more than you have nominated, we can increase your sum insured by a percentage depending on the level of cover you have selected.
Personal valuables
Personal valuables are some of the valuable things you might leave the house with. It’s things like your mobile phone, camera, laptop, or tablet. It also includes bicycles (as long as you’re not racing or pace making).
With personal valuables, the items are covered anywhere in Australia and New Zealand.
You can choose whether to specify the items so as to cover them up to a specified value, or if you’re happy to have unspecified cover, we pay up to $1,000 per item.
Temporary accommodation
If your home is damaged by one of our insured events to the extent that it cannot be lived in, we will pay for your reasonable temporary accommodation costs, including for your domestic pets. Please read the PDS for full details of conditions, exclusions and limits.
Motor burnout
Covers the burning out or fusing of electric motors that are part of your home and equal to or less than 10 years old. This includes the motor in things like portable air conditioning units, washing machines and fridges (if you have contents cover).
Motor burnout excess applies instead of the standard excess (plus any other applicable excess).
Free Safety Net Protection
Quote and purchase online from 16 Oct 2020 - 28 April 2021. Not available with any other offers. Free for first period of insurance. T&C's apply
First eligible policy
If you first purchase or have an existing Suncorp Car, Suncorp QLD CTP, Suncorp Motorcycle or Suncorp Home and/or Contents insurance policy, you will be eligible for this campaign. Refer to the T&Cs.
Second new eligible Policy purchased
- If you first purchase or have an existing Suncorp Car or Motorcycle policy, you can get 20% off new Suncorp home insurance. (‘New Suncorp home insurance’ excludes landlord and strata insurance)
- If you first purchase or have an existing Suncorp Home or QLD CTP policy, you can get 20% off new Suncorp car insurance. (‘New Suncorp car insurance’ excludes QLD CTP and Suncorp Roadside Assist)
Substantially Damaged
When your home is substantially damaged by an insured event (meaning the cost for us to repair is at least $50,000 or 10% of your home sum insured, whichever is more). Please Refer to PDS for Full Details.
